Stans represent "spend today, all now" individuals and "Henrys" are "high earners, not rich yet." The authors give advice they have accrued at Grunden Financial Advisory Inc., where Ragan is vice president of financial planning and Grunden is president and CEO. Grunden attended UNT from 1970 to 1973.

"Not everyone becomes wealthy through a lump sum inheritance," Ragan says. "A lot of it is through hard work, and we provide actionable steps to help readers create that wealth."